PT Bank Central Asia Tbk (PBCRF)

PT Bank Central Asia Tbk Income Statement

Financials in millions IDR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	98,493,922	94,796,454	87,206,517	72,241,191	65,626,976	65,403,161
Interest Paid on Deposits	13,216,178	12,532,290	12,268,952	8,251,682	9,491,401	11,241,891
Net Interest Income	85,277,744	82,264,164	74,937,565	63,989,509	56,135,575	54,161,270
Net Interest Income Growth (YoY)	6.22%	9.78%	17.11%	13.99%	3.65%	7.30%
Gain (Loss) on Sale of Assets	-2,172	956	-24	-4,294	2,769	1,617
Other Non-Interest Income	28,375,407	26,050,362	23,563,279	23,484,166	22,329,705	20,996,427
Total Non-Interest Income	28,373,235	26,051,318	23,563,255	23,479,872	22,332,474	20,998,044
Non-Interest Income Growth (YoY)	9.35%	10.56%	0.36%	5.14%	6.35%	-0.66%
Revenues Before Loan Losses	113,650,979	108,315,482	98,500,820	87,469,381	78,468,049	75,159,314
Provision for Loan Losses	3,190,090	2,034,453	1,056,192	4,526,619	9,323,995	11,628,076
Revenue	110,460,889	106,281,029	97,444,628	82,942,762	69,144,054	63,531,238
Revenue Growth (YoY)	5.92%	9.07%	17.48%	19.96%	8.83%	-5.21%
Salaries and Employee Benefits	17,731,089	17,444,242	16,197,811	13,651,458	13,487,127	13,349,775
Selling, General & Administrative	17,196,517	16,611,316	17,079,160	15,245,881	13,320,746	12,818,056
Other Non-Interest Expense	4,384,076	3,996,954	3,987,900	3,578,390	3,495,007	3,778,554
Total Non-Interest Expense	39,311,682	38,052,512	37,264,871	32,475,729	30,302,880	29,946,385
EBT Excluding Unusual Items	71,149,207	68,228,517	60,179,757	50,467,033	38,841,174	33,584,853
Asset Writedown	-10,667	-10,667	-	-	-	-
Pretax Income	71,138,540	68,217,850	60,179,757	50,467,033	38,841,174	33,568,507
Income Tax Expense	13,961,692	13,366,576	11,521,662	9,711,461	7,401,015	6,421,398
Earnings From Continuing Operations	57,176,848	54,851,274	48,658,095	40,755,572	31,440,159	27,147,109
Minority Interest in Earnings	-16,991	-14,969	-18,973	-19,850	-17,499	-16,000
Net Income	57,159,857	54,836,305	48,639,122	40,735,722	31,422,660	27,131,109
Net Income to Common	57,159,857	54,836,305	48,639,122	40,735,722	31,422,660	27,131,109
Net Income Growth	7.26%	12.74%	19.40%	29.64%	15.82%	-5.02%
Basic Shares Outstanding	123,263	123,275	123,275	123,275	123,275	123,275
Diluted Shares Outstanding	123,263	123,275	123,275	123,275	123,275	123,275
EPS (Basic)	463.72	444.83	394.56	330.45	254.90	220.09
EPS (Diluted)	463.72	444.83	394.56	330.00	254.90	220.00
EPS Growth	7.27%	12.74%	19.56%	29.46%	15.86%	-5.06%
Dividend Per Share	250.000	300.000	270.000	205.000	145.000	106.000
Dividend Growth	-9.91%	11.11%	31.71%	41.38%	36.79%	-4.50%
Effective Tax Rate	19.63%	19.59%	19.14%	19.24%	19.05%	19.13%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.